{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"banking-markets","screenKey":"us-county-bank-branch-deposits","screenLabel":"County FDIC-insured branch deposits","history":true,"temporalCoverage":{"firstYear":2015,"latestYear":2025,"yearCount":11},"years":[2015,2016,2017,2018,2019,2020,2021,2022,2023,2024,2025],"metricLabel":"County deposit HHI","metricUnit":"HHI (0-10,000)","summary":{"firstYear":2015,"latestYear":2025,"latestYearCountyCount":3104,"observationCount":34193,"observationsByYear":[{"countyCount":3112,"year":2015},{"countyCount":3108,"year":2016},{"countyCount":3108,"year":2017},{"countyCount":3109,"year":2018},{"countyCount":3111,"year":2019},{"countyCount":3110,"year":2020},{"countyCount":3109,"year":2021},{"countyCount":3109,"year":2022},{"countyCount":3108,"year":2023},{"countyCount":3105,"year":2024},{"countyCount":3104,"year":2025}],"yearCount":11},"source":{"accessDate":"2026-07-20","apiUrl":"https://api.fdic.gov/banks/sod?filters=YEAR%3A%5B2015%20TO%202025%5D&fields=YEAR%2CCERT%2CNAMEFULL%2CSTALPBR%2CSTNAMEBR%2CSTCNTYBR%2CCNTYNAMB%2CDEPSUMBR%2CRSSDHCR%2CNAMEHCR","confidenceLevel":"high","dataStatus":"estimated_public","id":"fdic-sod-2025","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. 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No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":5,"concentrationClass":"moderately_concentrated","countyFips":"51580","countyName":"Covington (City)","depositRank":1903,"hhi":2318,"hhiPercentile":41.1,"hhiRank":1832,"leadingOrganization":"Highlands Community Bank","leadingOrganizationSharePct":31.6,"leaderShareRank":2082,"organizationCount":5,"organizationDepthRank":1693,"organizationsOver5pct":5,"profileHref":"/geographies/banking/51580","stateCode":"VA","stateCountyCount":133,"stateHref":"/geographies/virginia","stateHhiRank":75,"stateMedianHhi":2636,"stateName":"Virginia","totalDepositsThousands":311226,"year":2017,"annualCountyCount":3108,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":5,"concentrationClass":"moderately_concentrated","countyFips":"51580","countyName":"Covington (City)","depositRank":1920,"hhi":2325,"hhiPercentile":41.1,"hhiRank":1833,"leadingOrganization":"Highlands Community Bank","leadingOrganizationSharePct":31.7,"leaderShareRank":2079,"organizationCount":5,"organizationDepthRank":1679,"organizationsOver5pct":5,"profileHref":"/geographies/banking/51580","stateCode":"VA","stateCountyCount":133,"stateHref":"/geographies/virginia","stateHhiRank":76,"stateMedianHhi":2584,"stateName":"Virginia","totalDepositsThousands":311849,"year":2018,"annualCountyCount":3109,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. 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Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":5,"concentrationClass":"moderately_concentrated","countyFips":"51580","countyName":"Covington (City)","depositRank":1911,"hhi":2317,"hhiPercentile":40.1,"hhiRank":1866,"leadingOrganization":"Highlands Community Bank","leadingOrganizationSharePct":30.5,"leaderShareRank":2184,"organizationCount":5,"organizationDepthRank":1669,"organizationsOver5pct":5,"profileHref":"/geographies/banking/51580","stateCode":"VA","stateCountyCount":133,"stateHref":"/geographies/virginia","stateHhiRank":79,"stateMedianHhi":2628,"stateName":"Virginia","totalDepositsThousands":321116,"year":2019,"annualCountyCount":3111,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. 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No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. 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No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. 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No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"51580","countyName":"Covington (City)","depositRank":2067,"hhi":2874,"hhiPercentile":51.5,"hhiRank":1507,"leadingOrganization":"Highlands Community Bank","leadingOrganizationSharePct":36.7,"leaderShareRank":1811,"organizationCount":4,"organizationDepthRank":1931,"organizationsOver5pct":4,"profileHref":"/geographies/banking/51580","stateCode":"VA","stateCountyCount":133,"stateHref":"/geographies/virginia","stateHhiRank":66,"stateMedianHhi":2867,"stateName":"Virginia","totalDepositsThousands":358385,"year":2023,"annualCountyCount":3108,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"51580","countyName":"Covington (City)","depositRank":2046,"hhi":2800,"hhiPercentile":50.1,"hhiRank":1550,"leadingOrganization":"Highlands Community Bank","leadingOrganizationSharePct":36.5,"leaderShareRank":1823,"organizationCount":4,"organizationDepthRank":1937,"organizationsOver5pct":4,"profileHref":"/geographies/banking/51580","stateCode":"VA","stateCountyCount":133,"stateHref":"/geographies/virginia","stateHhiRank":67,"stateMedianHhi":2800,"stateName":"Virginia","totalDepositsThousands":370285,"year":2024,"annualCountyCount":3105,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"51580","countyName":"Covington (City)","depositRank":2035,"hhi":2711,"hhiPercentile":47.3,"hhiRank":1636,"leadingOrganization":"Highlands Community Bank","leadingOrganizationSharePct":33.4,"leaderShareRank":2041,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/51580","stateCode":"VA","stateCountyCount":133,"stateHref":"/geographies/virginia","stateHhiRank":71,"stateMedianHhi":2821,"stateName":"Virginia","totalDepositsThousands":385015,"year":2025,"annualCountyCount":3104,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."}]}